Are You Prepared for F.S. 112.1816 (Firefighters’ Cancer Provision)?
According to Florida law, the employer must provide these benefits for ten (10) years after the firefighter’s retirement as long as the retiree remains on the employer’s health plan.
J.O. Services has put together a plan to cover both these risks using Beazley Supplemental Medical Expense (Gap) and Critical Illness insurance. It’s easy to get a quote and get coverage for eligible employees.
The Gap insurance helps guard employees against the financial risks associated with paying out-of-pocket medical expenses, enabling them to fill gaps and protect their income and assets. The Critical Illness policy provides a lump sum payment upon an invasive cancer diagnosis1. Together, these insurance plans can help provide financial protection and peace of mind for employees and their families.
1 - See the Policy for all terms, conditions, limitations and exclusions.
Firefighters’ Cancer Program brought to you by Beazley Insurance Company Inc. and J.O. Services Insurance
The Issue:
Florida Senate Bill 426
(Firefighters Cancer Bill)
1) Active firefighters who have been employed full-time for at least 5 years.
2) Retired firefighters who have elected to remain on the group health plan for 10 years following their retirement.
It requires:
1) The employer to reimburse the firefighter for any out-of-pocket deductible, copayment, or coinsurance costs incurred due to the treatment of cancer.
2) A one-time cash payment of $25,000 upon the firefighter’s initial
diagnosis of cancer.
For a copy of the statute, click here
Florida Firefighters’ Cancer Program was developed to cover both the initial $25,000 payment to the Firefighter upon cancer diagnosis, as well as cover the ongoing out-of-pocket expenses associated with treatment of the cancer. Plan A: The Supplemental Medical Expense (Gap) Policy underwritten by Beazley would be used to reimburse the affected firefighter for deductibles, co-payments and coinsurance associated with treatment, as required by the statute. Plan B: The Critical Illness policy underwritten by Beazley will pay the required $25,000 lump-sum benefit upon diagnosis of cancer, as required by Statute.
The Solution:
J.O. Services Firefighters’ Cancer Provision meets your legal requirements and solves your risk now and into the future!
We Got You Covered
Reduced Liability
In combination, these plans can significantly reduce employer’s financial liability under the law!
Expenses
Plan A helps cover out-of-pocket deductibles, copayments or coinsurance costs not covered by the major medical plan Expenses
Employment Requirements
Firefighters employed full-time for at least 5 continuous years
Lump-sum payment
Plan B pays $25,000 on diagnosis of cancer1; employees can use however they wish
1 - See the Policy for all terms, conditions, limitations and exclusionsEasy
Easy claims filing and processing
Guaranteed issue
No medical questions or exams to enroll
Plan A
Supplemental Medical Expense (Gap)
- Helps pay out-of-pocket expenses not covered by the major medical plan
- Guaranteed Issue
- Can cover active firefighters and retirees
- Employer determines eligibility
Plan B
Critical Illness
- Lump sum payment upon cancer diagnosis
- Benefit pays independent of other coverage
- Employee can use cash any way they choose
Get Started Today
Submit and Relax!
- Complete the easy step by step application
- Provide census data
- Submit completed application and census forms and you are done.
Get Started Today
Access to compliance is only a tap away!
Entities who employ Firefighters must be prepared to provide benefits as mandated by the Statute. Let us help manage that financial burden.
